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Habaneros are a little more difficult to start and generally require at least 7 - 14 days to germinate. Some will take upwards of 21 - 30+ days. Soil temperature is the key, to hot or too cold little to no germination. Your soil should remain moist, not too wet, but shouldn't dry out. The temperature of the soil should be between 75 - 85 degrees, with 85 / 86 ideal. Don't take it above 90 at 95+ germination drops off. Planting depth shouldn't be more then 1/4.
Within that 10-day period, you will notice that some seeds germinate right away and others take a little bit longer. The amount of time does not really have anything to do with how healthy your plant will be in the long run. It usually has more to do with the placement of the seed and where its root sprouted.